Bradford and Bingly Mortgage - PPI Question

Pennysmakepounds

Hi,


I have a old mortgage from Bradford & Bingly from around 2004 that has since been transferred to rosinca.


Is it worth claiming a PPI to see if I am owed anything.

[Deleted User]

You are not "owed" anything.

Did you even have PPI?

Pennysmakepounds

Moneyineptitude wrote: »

You are not "owed" anything.

Did you even have PPI?

That's the point, I don't know if I did have PPI or not as part of the mortgage - which is still on-going.


I don't have the original paperwork.


I was just trying to see if anyone had clamed anything from B&B to see if it was worth trying to claim or not.

[Deleted User]

First establish if you actually had any PPI.

If you did have it, present a compelling compelling complaint that it was somehow mis-sold to you.

Pennysmakepounds

Moneyineptitude wrote: »

First establish if you actually had any PPI.

Sorry, but not at all clued up with this at all.


What's the best way of doing that?

[Deleted User]

Pennysmakepounds wrote: »

What's the best way of doing that?

Ask the seller.

If there are no longer any records (or you didn't have any PPI) any complaint is finished before it's begun.

Pennysmakepounds

Moneyineptitude wrote: »

Ask the seller.

If there are no longer any records (or you didn't have any PPI) any complaint is finished before it's begun.

Thank you - I will start there and see if I can find the original paperwork too.

dunstonh

Did you buy the mortgaege from a B&B branch or did you buy it via an estate agent or mortgage adviser?
Most B&B mortgages were arranged via brokers/estage agents.

B&B only sold monthly premium standalone cover with its own monthly direct debit. So, were you paying a separate direct debit to an insurance company?

Pennysmakepounds

dunstonh wrote: »

Did you buy the mortgaege from a B&B branch or did you buy it via an estate agent or mortgage adviser?
Most B&B mortgages were arranged via brokers/estage agents.

B&B only sold monthly premium standalone cover with its own monthly direct debit. So, were you paying a separate direct debit to an insurance company?

I honestly don't know, my partner sorted it all out at the time as she worked in town.

dunstonh

Pennysmakepounds wrote: »

I honestly don't know, my partner sorted it all out at the time as she worked in town.

Find out from your partner then as it makes a difference. If an estate agent or mortgage broker was used then they do not use B&B insurance products and you wont have had insurance from B&B.

-taff

And if a broker sold it to you your complaint is over as they weren't regulated before 2005.